The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$44,941
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,339
−HK$1,420/mo
Today · 4.125%
HK$47,759
baseline
▲ 0.50% · 4.625%
HK$50,665
+HK$2,906/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,518/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,996
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,337
−HK$1,360/mo
Today · 4.125%
HK$52,697
baseline
▲ 0.50% · 4.625%
HK$55,475
+HK$2,778/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,394/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,929
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,607
−HK$1,704/mo
Today · 4.125%
HK$57,311
baseline
▲ 0.50% · 4.625%
HK$60,798
+HK$3,487/mo
Deposit HK$7.88M · loan HK$11.83M · min. income ≈ HK$114,622/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,996
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,605
−HK$1,632/mo
Today · 4.125%
HK$63,237
baseline
▲ 0.50% · 4.625%
HK$66,570
+HK$3,333/mo
Deposit HK$7.88M · loan HK$11.83M · min. income ≈ HK$126,474/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,917
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,874
−HK$1,989/mo
Today · 4.125%
HK$66,863
baseline
▲ 0.50% · 4.625%
HK$70,931
+HK$4,068/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$133,726/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,995
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,872
−HK$1,904/mo
Today · 4.125%
HK$73,776
baseline
▲ 0.50% · 4.625%
HK$77,665
+HK$3,889/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$147,552/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,894
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,410
−HK$2,556/mo
Today · 4.125%
HK$85,966
baseline
▲ 0.50% · 4.625%
HK$91,197
+HK$5,231/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$171,932/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,993
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,407
−HK$2,448/mo
Today · 4.125%
HK$94,855
baseline
▲ 0.50% · 4.625%
HK$99,855
+HK$5,000/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$189,710/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,076 · Scale 2, in force from 26 Feb 2026)